Q:  My homeowner policy lists coverage for Other Structures and there are no other structures on my property.  Why should I pay for this coverage?

A:  Your homeowner is a package policy and you automatically  get coverage for other structures (such as a shed or unattached garage) whether you have one or not.  You do not pay any extra for this coverage and it can be increased but can not be deleted.  Your premium is based on the amount of coverage you have on the Dwelling.

Q:  How do  qualify for a low mileage discount on my Massachusetts auto policy?

A:  If you drive less than 7500 miles annually, you are entitled to this credit.

Eligibility for the discount will be verified based on actual miles driven during the prior year.  Miles driven are recorded with the RMV when you register the vehicle and/or take your car for the Massachusetts Safety and Emissions Inspection.  Less than 5,000 generates an even higher credit.

Q:  My child recently got his/her driver license.  How long is he/she considered to be an inexperienced operator?

A:  An operator is not considered experienced until he/she has been driving for six years.  For the first three years they remain in the highest rate classification.  You can save money if you have taken a driver's education course.  From three to six years the rate class drops, until the sixth year of driving is completed.

Q:  What does Substitute Transportation on my auto policy cover?

A:  This coverage enables you to rent a vehicle while yours is being repaired due to a covered loss.  You can buy reimbursement limits from $15/day up to $100/day.

Q:  How do I qualify for a multi-policy discount?

A:  It often saves you money to have both your home and auto insurance policies with the same company, if feasible.  The discount is usually 5 - 10% and is applied to your home insurance rate.  Some companies will discount your New Hampshire auto policy as well.